raddon chart of the day may 8, 2012

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Source: Raddon Financial Group, National Consumer Research – Fall 2011

Raddon Chart of the DayMay 8, 2012

Growth in Online Banking Has Not Reduced Branch Usage

Fall 2003 Fall 2004 Fall 2005 Fall 2006 Fall 2007 Fall 2008 Fall 2009 Fall 2010 Fall 20110%

10%

20%

30%

40%

50%

60%

70%

80%

90%

78% 79% 82% 80%84% 83%

78% 81% 80%

29%35% 34%

48%52%

57% 58%65% 67%

Any Lobby or Drive-Up Any Online





Homeowners That Expect the Value of TheirHome to Increase by the End of 2013

Do Not A

nticipate

an In

crease

in Home V

alue

Home Valu

e Incre

ase of L

ess th

an 5%

Home Valu

e Incre

ase betw

een 5% an

d 10%

Home Valu

e Incre

ase of 1

0% or More

0%10%20%30%40%50%60%

49%

33%

14%4%





Most Homeowners Report That Their Home’s Value Has Declined in the Last Year

18%

38%

44% Value Has Increased

Value Has Stayed the SameValue Has Declined




Raddon Chart of the DayApril 26, 2012

Consumers That Anticipate a Home/CondoPurchase In the Next Five Years

3% 4%

7%

86%

Within the Next YearWithin the Next One to Two YearsWithin the Next Three to Five YearsDo Not Anticipate Buying a House





Consumers Current Home Ownership Status

71%

22%

5% 2%

Own a HomeRentLive with Parents/RelativesOther





Consumers That Have Applied and Been TurnedDown For a Loan in the Last 12 Months

None of the Above

Home Equity Loan or Line

Mortgage for Home Purchase

Mortgage for Refinance

Consumer Loan

Line of Credit

Credit Card

Applied/Turned Down for Any Loan

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

89%

0%

1%

1%

1%

2%

6%

11%





When Consumers Last Purchased or Leased a Vehicle

With

in the Past

Year

Between 1 an

d 2 Years Ago

Between 2 an

d 3 Years Ago

Between 3 an

d 5 Years Ago

Over F

ive Years

Ago

Have Neve

r Purch

ased or L

eased a

Vehicle

0%

10%

20%

30%

15% 12% 13%17%

31%

11%





Consumers That Are Currently in the Market For a New Credit Card

6%

94%

In the Market for a New Credit CardNot in the Market for a New Credit Card





Top Five Credit Card Features That Would PromptConsumers to Get a New Credit Card

0% Introductory Rate Offer

Identity Theft Protection

Annual Cash Back Rebate

Low Interest Rate

No Annual Fee

0% 10% 20% 30% 40% 50% 60% 70% 80% 90%

32%

37%

43%

60%

81%





Methods Consumers Use to Obtain Financing for a Vehicle Purchase From an Auto Dealer

Do Not Borrow for Vehicle Purposes

Other

Would Use a Home Equity Credit to Finance Vehicle Purchases

Would Use Comparative Price Grids/Services on the Internet to Get the Best Loan Deal

Would Seek Out Loan Rates from Primary Financial Institution

Typically Would Obtain Financing from the Auto Dealer

0% 10% 20% 30% 40% 50%

27%

7%

2%

5%

19%

40%

Total





Consumers That Are Willing to Pay a $2 Monthly Fee For Basic Identity Theft Protection Coverage

Extremely Likely Very Likely Somewhat Likely

Not Very Likely Not at All Likely0%

5%

10%

15%

20%

25%

30%

35%

8%

14%

33%

27%

17%

raddon chart of the day may 8, 2012

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